Best Personal Loan Rates in Spokane, Washington (WA) - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Spokane, Washington include: Cheney Federal Credit UnionCheney Federal Credit Union10505 W Westbow Rd, Spokane, WA, 99224 7434A+5.0 ★Texas Ratio: 1.30% offering Recreational Loans at 5.74% APR, Responders Emergency Services Credit UnionResponders Emergency Services Credit Union924 W Sinto Ave, Spokane, WA, 99201 2531A+5.0 ★Texas Ratio: 0.00% offering Signature/Unsecured at 8.90% APR, Gesa Credit UnionGesa Credit Union9625 N Newport Hwy, Spokane, WA, 99218A+5.0 ★Texas Ratio: 4.63% offering Personal Loan at 10.50% APR, Numerica Credit UnionNumerica Credit Union405 E Farwell Rd, Spokane, WA, 99218A+5.0 ★Texas Ratio: 2.80% offering Personal Loans at 10.99% APR, and Safeway Federal Credit UnionSafeway Federal Credit Union529 E North Foothills Dr, Spokane, WA, 99207A+5.0 ★Texas Ratio: 3.68% offering Signature at 11.90% APR. Personal loan rates as of May 10, 2026 according to verified data from MonitorBankRates.
Spokane has 7 local institutions in our database, with personal loan rates as low as 5.74% APR from Cheney Federal Credit Union at 10505 W Westbow Rd, Spokane, WA, 99224 7434. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Spokane, Washington.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Spokane, Washington. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: May 10, 2026
As Low As
Fixed rate, terms from 12 to 24 months on loan amounts of $500 to $2,500.
As Low As; Up to 60 months & $10,000 max per member
As Low As
No additional details available.
As Low As
As Low As
As Low As; Fixed rate, terms up to 36 months. Maximum loan amount: two times gross monthly income.
Varies on $ amount; (unsecured)
As Low As; *Fixed rate, terms up to 60 months available depending on credit score and amount financed. Rate shown applies to Personal Unsecured, Autos, Boats and RVs 2016 or older model year vehicles or vehicles valued at under $10,000 and Cycle Products 2021 or older model year vehicles. OAC. APR = Annual Percentage Rate. Loan rates are available on approved credit. Loan rates are subject to change without notice. Rates displayed are the lowest available to qualified borrowers. Your rate may be higher and will be determined by loan type, applicable fees, the terms you request, the amount you finance, and your credit history. Secured and Unsecured Loans are available. Qualified borrowers can receive financing for personal loan needs including Dental, Vision, Cosmetics Procedures, Computers, Lawn Tractors, Older Autos, Snowmobiles, ATVs, Boats and RVs.
As Low As
As Low As; This no-frills unsecured loan can help out in a pinch.(1)(2)
As Low As
As Low As
$2,500; As Low As
As Low As
Fixed 120 Months
No additional details available.
Personal Loan Rates are based on your credit history and credit qualifications.
No additional details available.
No additional details available.
As Low As; Personal Loan Rates are based on your credit history and credit qualifications.
$100,000; As Low As
$100,000; As Low As
$100,000; As Low As
No additional details available.
Amortized over 15 years with a balloon due in 60 months
Amortized over 15 years with a balloon due in 60 months
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
Amortized over 15 years with a balloon due in 60 months
Amortized over 15 years with a balloon due in 60 months
No additional details available.
Up to $40,000
No additional details available.
No additional details available.
No additional details available.
As Low As; Verity members can apply by logging into Digital Banking and selecting "Open account or loan" from the menu. Lowest rate includes rate discounts.*
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
As Low As; Personal loans up to $10,000
No additional details available.
Up to a 72-month term.
No additional details available.
$10,000; As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; Personal Loan Rates are based on your credit history and credit qualifications.
No additional details available.
No additional details available.
As Low As
As Low As; up to 48 months
No additional details available.
up to 60 months
No additional details available.
$10,000; As Low As
No additional details available.
$10,000; As Low As
$10,000; As Low As
As Low As; Consolidate higher rate debt with a Rivermark Personal Loan. Rates as low as 10.45% APR for a limited time.
As Low As
No additional details available.
(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As; Maximum Loan Amount $40,000
As Low As
As Low As; up to 60 months (minimum loan amount of $5,000)
No additional details available.
(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans
As Low As
As Low As
Personal Loan Special
No additional details available.
(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans
No additional details available.
As Low As; Processing Fee: $13 per $100 borrowed
As Low As; up to 72 months (minimum loan amount of $7,500)
No additional details available.
As Low As; Loan Range: $5,000-$25,000
As Low As; Rates* start at 12%
up to $8000
No additional details available.
No additional details available.
As Low As; Up to 72-month term; Fixed rate, fixed term loan for a specific expense; Borrow up to $20,000 (if qualified); Quick and easy funding; No collateral required
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As; Fixed rate, terms up to 36 months. Maximum loan amount: two times gross monthly income.
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As; Verity members can apply by logging into Digital Banking and selecting "Open account or loan" from the menu. Lowest rate includes rate discounts.*
As Low As
No additional details available.
$10,000; As Low As
As Low As
No additional details available.
As Low As; up to 48 months
As Low As; Personal Loan Rates are based on your credit history and credit qualifications.
As Low As
No additional details available.
$10,000; As Low As
$10,000; As Low As
$10,000; As Low As
As Low As; Consolidate higher rate debt with a Rivermark Personal Loan. Rates as low as 10.45% APR for a limited time.
(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans
As Low As; up to 60 months (minimum loan amount of $5,000)
As Low As
As Low As; Maximum Loan Amount $40,000
No additional details available.
As Low As
No additional details available.
(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans
Personal Loan Special
(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans
As Low As; up to 72 months (minimum loan amount of $7,500)
up to $8000
As Low As; Rates* start at 12%
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As; Up to 60 months & $10,000 max per member
Varies on $ amount; (unsecured)
As Low As; This no-frills unsecured loan can help out in a pinch.(1)(2)
No additional details available.
No additional details available.
No additional details available.
Up to $40,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
Up to a 72-month term.
No additional details available.
up to 60 months
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Up to 72-month term; Fixed rate, fixed term loan for a specific expense; Borrow up to $20,000 (if qualified); Quick and easy funding; No collateral required
No additional details available.
Spokane, WA Personal Loan Rate Trends
Compare local Spokane, WA personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Washington personal loan rates rose 0.396 points over the past 7 days to 11.884% APR.
Washington signature loan rates rose 0.009 points over the past 7 days to 10.057% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Washington?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Washington?
Are credit unions or banks better for personal loans in Spokane, Washington?
What are the best personal loan rates in Spokane, Washington?
- Cheney Federal Credit Union: 5.74% (Recreational Loans)
- Responders Emergency Services Credit Union: 8.90% (Signature/Unsecured)
- Gesa Credit Union: 10.50% (Personal Loan)
- Numerica Credit Union: 10.99% (Personal Loans)
- Safeway Federal Credit Union: 11.90% (Signature)
Personal Loan Calculators
